Rates

Savings Accounts

Money Management Accounts

IRA Accounts

Loan Rates

 Real Estate Loans

Mortgage Rates

 

 

Savings Rates

Share Type

Minimum Dividend Balance

Dividend Rate

Annual Percentage Yield*

Div. Period

 Share/Open Deposit ♦

$25 

 .05

 .05

MO 

Christmas 

 $25

 .05

.05

MO 

Escrow 

 $25

 .05

.05

MO 

 Share Draft

 $2500

 .05

.05

MO 

  Health Savings
Share Draft

Non-Interest 

 

 

 

 3 Month Certificate ♦

$500 

 .15

.15

 MO

6 Month Certificate ♦

$500 

.25 

.25

MO 

 12 Month Certificate ♦

$500 

 .30

.30

MO 

 18 Month Certificate ♦

$500 

.30

.30

MO 

30 Month Certificate ♦

$500 

.40

.40

MO 

48 Month Certificate ♦

 $500

 .85

 .85

MO 

Money Management Accounts

Health Savings Money Management Accounts

 $25 - $2999.99

 .05

 .05

 MO

 $3000 - $7499.99

 .10

 .10

 MO

 $7500 - $14999.99

 .15

 .15

 MO

 $15000 - $49999.99

 .20

 .20

 MO

 $50000 & Over

 .25

 .25

 MO

Individual Retirement Accounts

 Share Type

 Minimum Dividend Balance

 Dividend  Rate

 Annual Percentage Yield *

 Div. Period

 IRA Open Deposit

 $25

 .10

.10 

 MO

 12 Month Certificate

$500 

.30

.30

 MO

 12 Month Certificate

$15000 

.30

 .30

 MO

 12 Month Certificate

$25000 

 .30

.30

MO 

 18 Month Certificate

$500 

.30

.30

MO 

 18 Month Certificate

$15000 

.30

.30 

MO 

 18 Month Certificate

 $25000

.30

.30

MO 

 30 Month Certificate

$500 

 .40

.40 

 MO

 30 Month Certificate

$15000 

.40

.40

 MO

30 Month Certificate

$25000

.40

.40

MO

48 Month Certificate

$500

.85

.85

MO

48 Month Certificate

$15000

.85

.85

MO

48 Month Certificate

$25000

.85

.85

MO

* Annual Percentage Yield as of the last dividend declaration date. 

*Savings rates effective as of December 31, 2013

*All rates are subject to change without notice. 

♦ Includes Health Savings Accounts (HSA)

 Back to top

Loan Rates
INDIVIDUAL CREDIT SCORE MAY AFFECT POSTED RATE
RATES MAY CHANGE WITHOUT FURTHER NOTICE

Titled Collateral •

Term
New Monthly
Payment
**

2016
2015
2014

Monthly 
Payment
**

2013
2012

Monthly
Payment
**

2011
2010
2009

Monthly 
Payment
**

Older

Monthly
Payment
**

  APR*  

APR*

 

APR*

 

APR*

 

APR*

 

24 MO

2.59% $42.80

2.59%

  $42.80

2.99%

 $42.98

3.75% 

$43.31

5.25% 

$43.98

36 MO

2.99% $29.08

2.99%

 $29.08

3.24%

 $29.19

 3.99%

$29.52

5.49%

$30.19

48 MO

3.24% $22.24

3.24% 

$22.24

3.49%

 $22.35

 ----

 ----

---- 

---- 

60 MO

3.49% $18.19

 3.49%

 $18.19

 ----

 ----

 ----

 ----

 ----

 ----

72 MO 3.69% $15.50 --- --- --- --- --- --- --- ---

Registered and Other Collateral •

Term

New Monthly
Payment
**

2016
2015
2014

Monthly
Payment
**

2013
2012

Monthly
Payment
**

2011
2010
2009

Monthly
Payment
**

Older

Monthly
Payment
**

  APR*  

APR*

 

APR*

 

APR*

 

APR*

 

24 MO

4.49% $43.64

4.49%

$43.64

 4.99%

$43.87

5.99% 

$44.32

7.49% 

$45.00

36 MO

4.99% $29.97

4.99% 

$29.97

5.29%

 $30.10

 6.29%

$30.55

7.75%

$31.22

48 MO

5.29% $23.16

5.29% 

$23.16

5.49% 

 $23.25

---- 

 ----

---- 

---- 

60 MO

5.49%

$19.10

5.49% 

 $19.10

 ----

 ----

 ----

 ----

 ----

 ----

72 MO 5.49% $16.33 --- --- --- --- -- --- --- ---

** MONTHLY PAYMENT IS BASED ON PRINCIPAL 
AND INTEREST PER $1000 FOR RATE AND TERM

 • Loan Exception - Additional .5%               * APR = Annual Percentage Rate

 Back to Top 

 

Mobile Home •
Balloon Rate ***

 

APR*

Monthly Payment**

61 Month Balloon

7.40%

$10.50

*** Loan amortization for new is 180 months, for 1-3 years old is 144 months, for 4-7 years old is 120 months, for 8-10 years old is 84 months, over 10 years is fixed for 60 months. 

• Loan Exception - Additional .5%          * APR = Annual Percentage Rate         
** Monthly Payment is based on principal and interest per $1000 for rate and term. 

 
Share/Share Certificate Secured Loan
3.00% Over Dividend Rate
(Dividend rate as of the last declaration date of the pledged account at time of loan closing)

 

Unsecured Loans

36 Month

10.75% APR*

$32.62 Monthly Payment **

 

Line of Credit Loans

Variable Kwik Cash 8.50% APR*
Master Card/Visa 13.90% APR*

 

 

.25% Discount 
Available for having your loan repaid by payroll deduction or direct deposit.
 

 

 

 

 

 

Real Estate Loans
Purchase • Refinance • Home Equity

Real Estate Balloon Loans

 

 

First Mortgage

 

 

Second Mortgage
(First Mortgage
at PFCU)

 

 

Second Mortgage

 Term

Interest Rate

APR*

Monthly Payment+ APR* Monthly
Payment**

APR*

 Monthly Payment**

Owner Occupied

61 MO

2.99%

3.02%

$421.16♦ 2.99% $6.91♦♦♦

4.25%

$7.53♦♦♦ 

Second Home

61 MO

3.50%

3.53%

$449.15♦ 3.50% $7.15♦♦♦

4.25%

$7.53♦♦♦

 Vacant Land

24 MO

3.90%

3.93%

$600.82♦♦ 3.90% $7.35♦♦♦

4.25%

$7.53♦♦♦ 

36 MO

4.15%

4.19%

$614.02♦♦ 4.15% $7.47♦♦♦

4.45%

$7.63♦♦♦ 

60 MO

4.30%

4.33%

$622.02♦♦ 4.30% $7.55♦♦♦

4.60%

$7.71♦♦♦ 

Non-Owner Occupied - Contact Us!

   ♦  30 year Amortization
  ♦♦ 20 year Amortization
♦♦♦ 15 year Amortization
 *APR is annual percentage rate
**Monthly payment is based on principal and
interest payment per $1000 for rate & term

Individual credit score may affect posted rate

+First Mortgage: Monthly payment based on a minimum loan amount of $100,000.00 and final balloon payment due on the maturity date. This includes origination fees but does not include any mortgage insurance premiums, real estate taxes, home owner's insurance or additional fees or add-ons. 
If applicable the actual payment obligation will be greater. 

 

Construction Loan

Contact Us!

Line of Credit Loans

REAP Loans (variable)

4.25% APR*

REAP Loans (fixed)

4.25% APR*

 

Long Term Fixed Mortgages
Saleable Loans

10 Year

Purchase or Refinance

15 Year

Purchase or Refinance

20 Year

Purchase or Refinance

30 Year

Purchase or Refinance

Phone: 920.898.4232 for current rates

Back to Top 

Rates may change without further notice.

Loan rates effective:07/05/2016

 

 

Support Email Privacy Policy Browser Requirements Required Compliance Information Sitemap Harland Financial Solutions, Inc. Equal Housing Lender NCUA